Credit Analyst

CARRIÈRES

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DÉPARTEMENT

Credit Risk Department

BRANCHE

Port Louis

Job Purpose You will have to provide a totally independent and critical analysis of Institutional credit proposals originated by Front Offices (SME Banking, Corporate Banking and International/Treasury Banking). Key Responsibilities:

Analyse and evaluate credit risks inherent in Institutional Credit Proposals.
Carry out quantitative and qualitative financial analysis and collateral analysis.
Make clear and informed recommendations to the Approval Authority, including covenants to mitigate the risks identified in the Credit Proposals.
Ensure turnaround time for each Credit Proposal is within the agreed SLA.
Ensure compliance with the Bank’s Credit Policy, other internal policies and regulatory guidelines.
Originate proposals for Sovereign and Bank limits.
Proactively research, analyze and manage data from reliable sources with the aim to preempt risks on the credit portfolio.

Technical Skills:

Thorough knowledge and understanding of loan granting processes including credit checks, affordability criteria and repayment terms and conditions.
Strong knowledge of Corporate Finance, Structured Trade Finance, Project Finance, Syndicated loans and Risk Management.
Sound knowledge of Central Bank’s guidelines and other relevant local legislations.

Behavioural Skills/ Competencies:

Excellent analytical skills.
Quality oriented, have an eye for details and show strong bias for continuous improvement.
Ability to work under pressure to meet tight deadlines.
Excellent planning, prioritizing and organizational skills.
Excellent team spirit.
Proactive, dynamic and solution provider.
Good interpersonal and communication (oral/written) skills.

Qualifications & Experience:

University degree in Banking/Economics/Accounting/Finance OR ACCA qualified or any other relevant professional qualifications acceptable to the Bank
Minimum 3 years banking experience in a credit / financial analysis environment.

Incomplete applications will be automatically be disqualified. Management reserves the right not to make any appointment following this advertisement

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